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• Sweaty Lemon
  • Album on Linktree
  • Intro music can be found here!

• Kung Fewer, Kleed, Dion & Erica, & Shuhui kleed tier! Welcome Sandy, Mary & aggarnir!
• Correction: Wings FCU is $1.5k/account not $15k (HT cantstopi3)
• [Lightning Deal/Expired] $15 off $30 @ GrubHub w/ Prime
• Massive write up on 5% category setup
• US DOJ accuses Visa of illegal monopoly
• Shatner!
• Earn up to 20,000 bonus points with Chase Travel
• Priority Pass lounge at Midway Chicago
  • 3300 sq ft with a capacity of 76
  • Comparison to PHX PP lounge. Overcrowded and people limits include 
• Bye Bye Fidelity Bloom
• Chase
  • Freedom student being covered to freedom unlimited
    • Align with freedom rise more
    • Reddit had it first
  • CSP in branch 70k w/ $6k spend in 90 w/ $300 portal credit
    • DoC
  • CSR $300 travel credit changing timing
  • Chase Ink analysis
    • TL:DR –  Chase is getting a bit stricter on Ink apps. Change to 4 month cooldowns over 3
  • Chase Sapphire Reserve (CSR) insurance benefit changes
• CFPB Update (HT BoSCar)
  • 
  • I was due $350, they are mailing me $400
    • Have not received yet
  • Mailed check, but that’s not secure?
• TradeUp Brokerage Bonus
• Curve
  • USA office in NY
    • HT paul_the_potato
  • Accidental email
• California trip Sat to Sat
  • Rental car w/ National, Presidents club from Amex Plat
    • $443.66 w/ Visa Infinite 5% off (prob could have gotten way better)
  • BOS-LAX American $109.47
    • Stephanies for breakfast
    • Use AA GCs from BofA PR/E
  • LA
    • Airbnb $440,  ~18.5% off w/ Pepper GCs & BofA CCR
  • Monterey/BigSur
    • $100-$140/night in 2 star hotels
  • SanFrancisco
    • The Clift Royal Sonesta
      • $376.94, $200 off w/ Amex Plat Hotel Collection promo, $177
        • 5x points on full price
      • $100 spending credit
      • Clift Sonesta upgrade saga
  • SFO-BOS Delta $123.48 Venture X Portal
    • Lark Creek Grill in Terminal 2 visit
    • Free wifi, in flight snacks double 
• Taxes
  • The Kiddie Tax
  • Churning Life episode
• FutureCard
  • Amtrak transfer partner
    • Pulled?
  • Discussed in Ep48
  • Major banks haven’t been able to pull off a direct transfer to Amtrak in modern history, and indirect transfers via JetBlue TrueBlue and Points.com are only a 2:1 ratio.
• DCU merges with First Tech
  • Reddit thread
• MasterCard public transit benefit
  • Which banks are not participating
    • Evolve LOL
  • Select cities and transactions 
• Amex
  • Amex freezes Hawaiian transfers 
  • Crackdown on Cash accounts
    • DoC
    • Apparently you can get a round it 
• Step DP
  • Reddit
  • Card is showing on report
• CapOne Uber credit ending
• Robinhood
  • Gold Referral CC is Visa Infinite 
  • Robinhood $100 SUB credited
    • My DP
    • More people targeted, some seeing $200
  • Robinhood HOOD week 10/16-10/27
    • Same offers as before
• Alliant targeted 5% back on all purchases up to $1k (KT Kleed)
  • 
• Spirit flight changed and refund
• Pepper
  • Points paid out
  • ME&B math for shut down prediction
  • Pepper boost email updated!
    • 
    • Referral 605502
• Live Oak SUB
• Costco
  • Costco Visa SUB
    • DoC
  • Costco $100 Uber GC for $80
    • In store too
• PayPal
  • Targeted 5% on Restaurants on Paypal CC
  • Debit card may not count bars as restaurants
• SoFi back up to $350 on Rakutan
• BofA Extra 2%/2x On 11/07/24
  • Ep15 for first 2% day
• Amex
  • American Express Adds $50,000 Cap To Restaurants 4x Earning On Gold (Starts 1/1/25)
  • American Express To Close Centurion Lounge Spas, Replace With Seating
• Mogl to shut down 12/3
• Cardless Qatar (from ME&B)
  • The Cardless Qatar Airways cards added a benefit for a rebate on the taxes and fees paid on a Qatar Airways award flight booking on Qatar metal, up to $300 in economy or $600 otherwise, per ticket. The benefit activates after $15,000 annual spend in the first year and $25,000 in following years.
• CEO of Ness Derek Flanzraich talks about Ness in podcast
• JAL To Launch A New Credit Card
  • Announcement reads like AI
• Citi $450 banking SUB for $6k DD
  • On Reddit first
• Navy FCU (NFCU) cashRewards Plus card now 2% cash back w/ $200 SUB
  • Episode 44, Kleed sharred he was targeted for this. Now available to anyone who had >$5k credit limit (HT Kleed)
• US Bank
  • US Bank Triple Cash $100 software purchases credit triggers on seats.aero
    • DoC
  • US Bank Smartly confirmed to have no cap on 4%
    • Reddit
    • DoC
    • Funny to be confirmed on Twitter
  • US Bank Smartly to have 3% FTF, 0% APR on purchases for 12 months
• $150 for booking and getting attending a dental appointment
  • My referral, does not stack!!
• Amazon points coupons refreshed
• Reports of Southwest appearing on Capital One Travel Portal
  • /r/churning
  • May only be Venture not X?
• Capital One Cafes illegal?
• Capital One Spark SUB